insurance policy that is covered by the private insurance, so you're going to contact if you have a claim camile contact your insurance company. they're going to cover it with your limits and deductibles and it's going to be private policy. any damage caused by flooding is covered only if you have a flood insurance policy to the national flood insurance program. that is the public program, a government program that covers flood losses. that ultimately will be picked up the tab, will ultimately be picked up by the policy in that program. so there's really kind of two ties these losses are going to come from. there's going to be the private insurance tab and then there's going to be the trend for pay my tab. >> host: what about a homeowner who doesn't participate in the flood insurance program and doesn't have private flood insurance? what happens to that person? >> guest: unfortunately, that person really is in a hard place right now. unfortunately it's probably a lot of people in new jersey. in new jersey there's about 260,000 people in new jersey that have flood insurance. in new york there's a